Payment Methods
1. Debit or Credit Card
The simplest and quickest payment method is debit or credit card via our Website Payments Pro integration. We want your information to be safe when you purchase items from our site. That is why we use Website Payment Pro (part of the Paypal Holdings Inc) to process your payments. We never see your credit card information and we don't store any of your financial data. Your details are entered into our 128bit SSL Secured website which is PCI DSS Compliant, then encrypted and securely sent over to Website Payment Pro gateway for authorisation and processing. The Paypal Holdings Inc payment system uses a combination of both established and innovative techniques to ensure the security and integrity of all sensitive data.
Website Payments Pro Security
All transaction information passed between our website and the Webste Payments Pro systems is encrypted using 128-bit SSL certificates. No cardholder information is ever passed unencrypted and any messages sent to your servers from Website Payments Pro are signed using MD5 hashing to prevent tampering. You can be completely assured that nothing you pass to Website Payments Pro servers can be examined, used or modified by any third parties attempting to gain access to sensitive information.
Encryption and Data Storage
Once on the Website Payments Pro systems, all sensitive data is secured using the same internationally recognised 256-bit encryption standards used by, among others, the US Government. The encryption keys are held on state-of-the-art, tamper proof systems in the same family as those used to secure VeriSign's Global Root certificate, making them all but impossible to extract. The data we hold is extremely secure and we are regularly audited by the banks and banking authorities to ensure it remains so.
For more information on our Website Payments Pro payment method, please visit https://www.paypal.com/uk/webapps/mpp/pro
2. PayPal Express Pro and Checkout
Paypal was originally created to serve as alternative payment method for e-bay customers in 1998. Since then it has fast become one of the most popular methods of transferring money online since easy registration and usage. Paypal has over 75 Million active accounts world wide and boats over 10 million users in the UK alone!. We use Paypal's Express Checkout which means you can skip the Shipping address pages on our site and go direct to the Paypal website to enter your stored details. Fast and effected.
You will be transferred to a secure 128-bit SSL Paypal server to take your credit/debit card details or you can sign in to an existing account and transfer funds from that instead.
For more information on Paypal Security, please visit http://www.paypal.com
Customer detail discrepancies:
Please note that if there are discrepancies in the details given during the payment process or a security warning from Paypal or other third party sites, we reserve the right to decline the order and/or offer an alternative payment method. We do take very seriously both our customer's security and of course our own. Each and every order is checked carefully and any attempted fraudulent transactions are logged and reported to the appropriate authorities.
3. Klarna Consumer Finance
Who is Klarna?
Klarna is a Swedish payment service provider that takes end-to-end responsibility for your payment. Klarna is the provider of Smoooth payments to more than 100,000 online stores. Over 60 million consumers worldwide have trusted Klarna to securely handle their payments.
We have partnered with Klarna Bank AB (https://www.klarna.com/uk/) to ofer you a quick, simple and 100% paperless process to access afordable finance options. WCUK Online Ltd is authorized and regulated by the Financial Conduct Authority (FRN 824034) and acts as a credit intermediary. Finance options are provided by Klarna Bank AB commonly referred to as Klarna. Klarna is a Swedish bank that provides online financial services such as payment solutions for online storefronts, direct payments, post purchase payments and more. Registered office: Klarna UK Limited, 7th Floor, 33 Cavendish Square, London, W1G 0PW, United Kingdom. Finance available subject to age and status. Terms and conditions apply.
How does Pay later in 3 work?
Pay later in 3 will allow you to spread the cost of your purchase over 3 equal payments. The payment for each instalment will automatically be collected from the debit or credit card you entered at checkout. Your first instalment will be collected when your order is confirmed by WatercoolingUK and instalments 2 and 3 are scheduled 30 and 60 days later, respectively.
Am I eligible for Pay later in 3?
To use Pay later in 3 you must be at least 18. Whilst this option is widely promoted, Pay later in 3 is subject to your financial circumstances. When choosing Pay later in 3, our assessment will not affect your credit rating.
How can I increase my chances of being accepted for Pay later in 3?
Klarna is unique and offers Pay later in 3 based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later in 3 by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have been accepted for a Klarna payment method before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
What do I need to provide when I make a purchase?
If you want to make a purchase with Klarna using Pay later in 3, you'll need to provide your mobile phone number, email address, current billing address and a debit or card card. The mobile number is required in case we need to reach you. All communications will be sent to your email address. It's very important that you give us the correct details, as otherwise you will not receive your payment schedule and any updated order information.
Will a credit search take place against me?
Klarna may run so-called unrecorded enquiries (or soft credit searches) that do not affect credit scoring and are only visible to you and Klarna, but not visible to other lenders. Neither Klarna nor WatercoolingUK run credit searches against you that could impact your credit rating.
Why have I not been offered Pay later in 3?
Although Pay later in 3 is widely promoted it is not always universally available. The Pay later in 3 payment option is automatically generated by algorithms that are dependent upon a number of factors including address details, cardholder details, amount of order, the online store, previous order history and item availability.
What are my payment options with Klarna?
Payment for your Pay later in 3 will automatically be collected from the debit or credit card you entered at checkout. The first payment is taken when the order is confirmed. The second and third instalments are collected 30 and 60 days, respectively, after the first instalment.
What happens if I cancel or return my order?
As soon as WatercoolingUK have accepted your cancellation/return, Klarna will cancel any future scheduled payments as well as refund any amounts due.
What happens if I don’t pay for my order?
Klarna will automatically attempt to collect your payment for your Pay later in 3 purchase at WatercoolingUK from the debit or credit card you entered at checkout. If we are unable to collect your payment on the scheduled due date Klarna will make one further attempt to automatically collect payment two days later. Should this last payment attempt fail, Klarna will issue you a statement for the full outstanding order amount which will become payable 15 days later. Klarna shall notify you when a payment is due two days in advance of attempting to collect your payment.
I have been asked to go to Klarna's site. Is this correct?
You can view all of your Klarna purchases and payment schedule simply by logging onto Klarna.com/uk.
Is my payment information safe?
Payment information is processed securely by Klarna. No card details are transferred to or held by WatercoolingUK. All transactions take place via connections secured with the latest industry standard security protocols.
Can I pay before the due date?
No, this is not currently possible for Pay later in 3 purchases.
Have you received my payment?
Klarna will notify you via email and push notification when a payment is due and when this has successfully be collected, or in the unlikely event of your payment failing. If a payment has been collected but you have not received payment confirmation, you can always check the status of your order and payments by logging in at www.klarna.com/uk.
What happens to my statement, when I've returned the goods?
Once WatercoolingUK has received the return (partial or full) and you have received their confirmation of this, an updated statement with an adjusted payment schedule will be sent to you by Klarna if you've made a partial return. With a full return, we shall refund any payments collected and cancel any future scheduled payments.
I've received a statement, but I've not yet received my goods.
In the event that your goods have not been received please call WatercoolingUK to check on your order and delivery status. You can also contact Klarna’s Customer Service so that we can postpone the due date on your payment.
I have cancelled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5-7 business days.
I have asked for a refund. How will I be refunded?
Refunds shall be issued back to the debit or credit card which was originally entered at checkout.
I haven’t received an email with my statement/payment information.
You can log in at www.klarna.com/uk, where you will find all of your orders and payment schedule information.
I still have questions regarding payment, how can I get in touch?
Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.
How does Slice it work?
Spread the cost of your purchase into equal monthly payments with 18.9% interest. Slice it is a promotional plan on the Klarna Account.
How do I use Slice it?
When you shop online, Klarna’s system reviews each order to determine which payments options are available to you. If Slice it is offered, simply select this option. The first time you shop with Slice it you will be asked in to apply for a Klarna Account. If you’re approved Klarna will create an account for you and your order will be placed. Every time you shop with Slice it after that, you only need to agree to the purchase and won’t need to sign up again. The order amount will be added to your Klarna Account as additional promotional plans.
I have been asked to go to Klarna's site. Is this correct?
If you have chosen to pay with Slice it by Klarna, Klarna will send you an email with further details on how to pay.
Can I pay less than the amount owed each month?
You can at any time chose to pay your minimum payment instead of your interest-saver payment. Your monthly minimum payment is the amount to be paid to avoid incurring late fees on your Klarna Account. Should you chose to pay your minimum payment instead of your interest-saver payment this will mean you will lose your promotional plan offer and the remaining balance will start to incur interest at 18.9% APR (variable). It’s up to you.
Do I need to be 18?
Slice it is only available to people aged 18 or over and is an online exclusive payment method.
How do I manage my Klarna Account?
Log in to the customer portal at Klarna.com at any time day or night, to review your purchases and settle your monthly statement. If you need further assistance, you can contact Klarna’s Customer Service team.
How can I increase my chances of being accepted for Slice it?
Klarna is unique and offers Pay later based on a number of factors such as the order value, previous order history and item availability. If you are 18 or over, you can improve your chances of being offered Pay later by ensuring you provide your full name and accurate address details and shipping to your registered billing address. All orders are assessed individually. Just because you have had Pay later before does not mean it will be offered for every order and in turn, as it is denied does not mean it will be denied for all future orders.
How is my statement sent?
If you chose to use Slice it, we will send your monthly statement notification via email with instructions on how to make a payment and an overview of your Klarna Account. Once you have been landed on your Klarna Account overview page, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance.
What do I need to provide when I make a purchase?
If you want to make a purchase with a Klarna Account you need to provide your mobile phone number and your email address as well as name, billing address and your date of birth. Your mobile number is required in case we need to reach you. All statements will be send to your email address. It's very important, that you give us the correct details, as otherwise you will not receive monthly statements and so be liable for late payment fees.
Is my payment information safe?
Payment information is processed securely by Klarna. No payment information is transferred to us or held by us. All transactions take place via connections secured with the latest industry standard security protocols.
How do I make a payment?
First, log in at www.klarna.com/uk and visit your Klarna Account overview page. Then, simply select ‘Make a payment’ and enter the amount you wish to pay towards your balance. Should you have any questions or concerns when making a payment you can contact Klarna’s Customer Service here.
I haven't received an email with my statement.
Please contact Klarna’s Customer Service via live chat or phone. They will be able to provide you with details on how to pay.
I have cancelled my order. How long will it take until I receive my refund?
As soon as the store has registered your cancellation or your return, the refund will be processed within 5 business days.
What happens if I cancel or return my order?
As soon as WatercoolingUK have accepted your cancellation/return, then Klarna will make any necessary adjustments your balance and provide further help if needed.
I have cancelled my order. How long will it take until I receive my refund?
As soon as the store have registered your cancellation or your return, we will credit the balance back to your Klarna Account within next 5 business days.
I have asked for a refund. How will I be refunded?
If you have paid for your order with card, the refund will be made back to your Klarna Account balance. If the Account ends up in a credit balance, this can be used towards future purchases or you can request it to be paid back by contacting Customer Service.
I've received my monthly statement and a payment is due, but I've not yet received my goods.
You should of course not pay your statement until you've received your goods. In this case, we would ask that you contact the store and get an update on your order. You should also contact our Customer Service so that we can postpone the due date on your payment.
I still have questions regarding payment.
Visit Klarna’s Customer Service for a full list of FAQ’s, live chat and telephone options.
If our credit providers decline your application you will have the option of choosing an alternative method of payment (i.e. Credit/Debit card, PayPal or Bank Transfer).
You have the right to withdraw from your finance agreement. In-store this is 14 days following receipt of goods, in all other sales channels this is 15 days following signing of the credit agreement. You will still be in a contract of purchase for the goods. Please contact us to arrange alternative payment, or to arrange safe return of goods according to our returns policy here.
How much will it cost?
Klarna's Pay in 3 instalments and Pay in 30 days credit agreements are not regulated by the FCA. Use of these and any missed payments may affect your ability to obtain credit from Klarna and other lenders. 18+, UK residents only. Subject to status. See link.
4. BACS (Bank Transfer) or Cash on Collection
You can checkout with this option, and make payment directly from your bank account into ours. Once the order is processed, we'll send you an email with our International Payment information for completing your purchase.
You can also choose this option if you plan to visit the offices to collect your order, and want to pay by Cash. Please arrive with the correct amount, Change may be limited.